Pennsylvania – Sure, it’s summer… but the holidays will be here before you know it! So why not give yourself an advantage this year and get a head start on your holiday shopping?

“It’s really amazing how much progress one can make just by trying to be diligent, by saving money paycheck to paycheck.”

Bankrate’s Mark Hamrick says a great way to start is by taking a cue from Santa. “I would suggest making a list and then figure out how much would be required, then figure out how much one needs to save.”

He doesn’t mention checking that list twice, but that probably wouldn’t be a bad idea, either!

Getting an early start on your holiday shopping can also spread the expenses over several months, reducing the pressure on your wallet during November and December.

Even if you don’t start on the actual shopping, now is a great time to start making a list of what people might want to receive this year. When a loved one mentions something they’re interested in, make a note.